Lowe's Credit Card Cash Value Calculator

Lowes Credit Card

5% Lowe's Purchases
6 Months Special Financing
Project Financing

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The Lowe's Credit Card is a solid choice for anyone that frequents this home improvement store. It earns a solid return for everyday Lowe's purchases and also provides the option for 6 month finacing and even project financing for those longer home projects. As with most store cards, it comes with high APR so you will want to make sure you pay your bill in full and pay any special financing promos in full before the promotion is over otherwise you will be slammed with interest.

Lowe's Cash Back

Cash back earned with the Lowe's Credit Card is automatically applied after all other discounts. As long as you use the card to pay for an eligible purchase, you will receive the discount.

Bonus Categories

The Lowe's Credit Card is not assigned to a network so it can only be used in-store at Lowe's and online at Lowes.com. There is no limit to the amount of money you can save using this card. There are several restrictions and all purchases will not qualify as eligible. This is explaned in the following sections.

5% Lowe's

Eligible Lowe's purchases with the Lowe's Credit Card will receive a 5% discount. This discount will be appied after all other applicable discounts. This bonus cannot be used with any coupon, Lowe's military discount, Lowe's employee discount, Lowe's low price guarantee, or any other variation of special discount offer or program. Do note that shipping, delivery/assembly charges, fees/taxes, and gift cards will also not receive the 5% discount. There's a hefty list of things that are not included, so be sure to check that if you're considering picking up the card. To sum it up, this card is for buying standard home improvement items.

If you make a purchase or order of more than $299 with your Lowe's Credit Card, you will have the opportunity to receive a promotional offer of 6 months special financing. Do note that if you opt for the financing, you will not receive the 5% discount. You will have to choose between one or the other.

Perks and Benefits

The only other benefit of the Lowe's Credit Card is the special financing offer for purchases over $299. There's no other real benefits to having the card beside this and the 5% everyday savings.

6 Month Financing

If you make a purchase or order over $299, you'll be able to receive financing for no interest if paid in full within 6 months. Do note that if you do not pay the balance in full within those 6 months, they will pile the interest you would have paid. This is called deferred interest. That means you will be hit with 6 months of high APR (around 26.99%). Making minimum payments will usually not pay off the full balance, so you will want to make sure you're paying enough every month to have it paid off in time. If you're nearing the 6th month and feel that you cannot pay it off, you're better off Balance Transferring the remaining amount to a 0% APR card such as the Discover IT Card, Chase Slate, or Citi Diamond/Simplicity Card. There are lots of cards to choose from if this happens, so do not be a victim of store cards with high APR.

Credit Card Fees

Annual Fee
Authorized User Fee
Foreign Transaction Fee

Annual Fee

There is no annual fee for the Lowe's Credit Card.

Authorized User Fee

There is no authorized user fee for the Lowe's Credit Card.

Foreign Transaction Fee

The Lowe's Credit Card does not have a network so it cannot be used outside of in-store Lowe's purchases and on Lowes.com.

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any another rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Compare A Card
Select a card from the list below to compare it side by side against this card. You can search by card name (e.g. chase sapphire reserve, uber visa) or by rewards program (e.g. thankyou points, membership rewards points).
Currency Worth
This is the cash value of points and miles used in these calculations. You can click on the amount to change the value or you can select View Rewards As to calculate your rewards when transferred to partners.
View Rewards As...
0 Cent(s)
View Rewards As...
This section allows you to view your rewards as if you transferred them to a partner. Select a transfer partner below and the calculator will alter the calculator to reflect the transfer ratio and the reward currency of the receiving program. This only applies to the currency of the selected card. Not all programs have transfer partners. I also do not have the cash value of points and miles for all transfer partners.
Edit Value
Enter the cash value of these rewards in cents per point/mile. You can enter the value as X.XX cents or 0.0XXX cents. The maximum value allowed is 15 cents ($0.15) and the minimal value is 0.1 cents ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
/ Loyalty Programs
Add/Remove Loyalty Programs
Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
/ Categories
Add/Remove Categories
Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
Currently Selected:
Deselect All
Clear Spend
This will clear the spend in all of the categories in both columns. This will also clear all saved values.
Copy Spend
Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) and unit of time (month, day, quarter) will be copied over.
Reward Bonuses
This section holds sign up bonuses, loyalty bonuses, and bonus bonuses. Most bonuses here will be listed automatically based on certain criteria. You can click 'Extra Bonus' if you wish to enter your own bonus amount.
Extra Bonus
Any additional bonuses you wish to add such as a sign up bonus or point bonus for adding authorized users
Total Earnings
Sum of all rewards above this line.
Cash Value of Earnings
Based off of currency worth.
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Calculator Continues Below
Monetary Bonuses/Perks
This is a list of cash perks and bonuses associated with the selected card(s). Some perks will be listed here automatically. You can click on 'Perk Bonus' if you want to add additional value for the card.
Perk Bonus
Enter how much you value any unmentioned perks this card offers.
Annual Fees
This section contains the annual fee and authorized user fee (if applicable) to hold on to the listed card(s).
Edit Fees
Edit the annual fee and authorized user fee of the Card (if applicable).
Annual Fee: -
Auth Fee: -
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card when everything is taken into account.
Total Return
The percent you are earning per dollar spent on this card.

Recent News/Articles

Page Last Updated: 2018-11-28

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About These Calculators: These calculators are provided to help you estimate the value of points, miles, and cash back you can earn with various rewards programs and using reward earning credit cards. These calculators are meant to provide an estimate of rewards earned and are not meant to reflect the exact amount of points you may receive. Be sure to read the terms and conditions of any credit card before you apply as benefit and perk changes may not be reflected immediately on this website.

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